HEALTH CARE

HealthCare products, or commonly known as Medical Schemes is a very important product on your portfolio. This product will protect you and your family against that planned or emergency hospital event.

At Meiring Brokers we will assist you with the process to join a medical scheme and will discuss with you the benefits of the different plans as well as the way underwriting works on medical schemes.

The best way to do this is for me to do a “needs analysis” with you to determine the amount of cover you will need and also the level of cover that will suit your specific needs.

Factors that will determine your plan will be factors like:

• Do you need Chronic Medicine and what condition do you suffer from?
• Are you willing to use a network of hospitals and doctors?
• Do you want hospital cover only?
• Do you need more comprehensive cover?
• Are you paying a Late Joiner Penalty?
• How much do you earn? This will also determine the choice of your plan.

I will discuss with you in detail also how the underwriting is done, to how a Late Joiner Penalty is calculated and what kind of waiting periods may be imposed. If you suffer from a Chronic Illness then it is also important for you to know how your medical scheme will pay for your chronic medicine and how much they will pay. We have the knowledge and experience to help you through this process to join a medical scheme registered with the Counsel for Medical Schemes that suits your needs without hassle.